¿Cuál debería ser el futuro de las tarjetas de crédito con recompensas de puntos?
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El uso de tarjetas de crédito ha experimentado un auge significativo impulsado por la disposición de los consumidores a endeudarse y la expansión de recompensas generosas. Este documento analiza la acusación persistente de que las recompensas de las tarjetas de crédito producen un “subsidio cruzado regresivo”, lo que hace que las transacciones sean más baratas para los ricos y más caras para los pobres. Se menciona que la evidencia de este subsidio cruzado es inusitada y, en última instancia, no concluyente. Este documento aboga por una política de no intervención legislativa ya que regulaciones más estrictas dañarían el mercado de tarjetas de crédito y darían lugar a políticas bancarias contrarias al consumo. Por último, se enfatiza la importancia de la educación financiera en lugar de las regulaciones gubernamentales.
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Iuris Tantum se distribuye bajo una licencia internacional Licencia Creative Commons Atribución-NoComercial-CompartirIgual 4.0 Internacional.
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